UK Independent Commission on Banking - the five members

Bill Winters quit US bank JPMorgan a year ago after six years as
co-chief executive of the investment bank arm, heading up the European
business from London.

He is a well-known figure in the City of London and is likely to be seen as a
supporter of investment banking, although he has spoken out about greed in
the industry.

A dual UK-US citizen, he joined JPMorgan in 1983 and jointly ran businesses
across sales, trading, research, capital raising and lending. He left after
a rival was marked out as the bank's probable next chief executive.

Winters, who received an MBA from the Wharton School at the University of
Pennsylvania after studying international relations at Colgate University,
has been linked to several other top jobs and is a member of the
market-monitoring group of the lobby group Institute of International
Finance.